Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages. Cozen O'Connor is the world's leading subrogation and recovery law firm.We founded our subrogation and recovery practice in 1970. You have no legal obligations to respond to a subrogation letter. PIP is required in Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland,. Subrogation is the legal process where The Hartford, as your car insurance company, settles a claim on your behalf. Subrogation for health plans. Identify, investigate, recover and prevent inaccurate payments linked to accident-related medical and disability expenses. It is only when the plaintiff's recovery exceeds the sum total of the plaintiff's damages that the right of subrogation arises.